Thinking for buying a home in Scotland and don't have the slightest clue what to do or how much it costs?   Working out a budget First things first , you'd better have a decent job so you can get a mortgage and ideally have a sizeable deposit and for a starter flat you'll need to be on at least £30000 a year with £10-20k deposit. Normally you can get a mortgage for 3x your salary or 3.5x if joint mortgage with a couple. If your self employed it's a lot harder so you will need to find a mortgage ender…